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My Real Cost

One honest number Irish first-time buyers should know before they bid. Built off the Central Bank rules, the current AIP rate, and what an Irish house actually costs you over thirty years.

Under the Central Bank rules, you can afford
€280k
property price · first-time buyer rules
Monthly
€1,031
Real lifetime cost
€436k
€60,000
Cash + Help-to-Buy + gifts
€55,000/yr
None
3.85%
Your bank's approval-in-principle rate
30 years
Buyer type
How the number breaks down
Your deposit€60,000
Mortgage loan€220,000
Total interest over term€151,296
Stamp duty€2,800
Solicitor€1,500
Survey + BER cert€600
Real lifetime cost€436,196
Based on the Central Bank macro-prudential rules (ie-2026.01). AIP rate, term, and household income from your inputs above. Stamp duty assumes residential, owner-occupier. Solicitor + survey are mid-market Irish estimates and vary by transaction.
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This calculator is informational and not financial advice. Always verify with your lender. lovinahome doesn't take a fee for showing you this number.

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